it depends on the bank, if you are using Public Bank, make sure the reload is over RM1500 and maximum only 6 months repayment to get 0% interest.
else you always can call to any bank credit card to request for flexi pay but most of them will have on time fee or management fee.

please check petrol transaction, initially will be RM200, after few days will be back to actual figure.
And also don't forget about the RM10 referral reward and reverse fee from Paypal etc.

total CB per year is RM2400/RM108k = 2.22%, still got FD interest if you don't touch it

Just made two transaction online for London bus and Air Ticket to Germany with Ryanair:
GBP7=RM37.24 vs xe.com RM37.26
GBP125.11=RM665.59 vs xe.com RM666.01
How come cheaper rate than xe.com~


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No wor, that day pending PayPal also same amount with settled…

Nope

yeah, different time xe.com got different rate but i faster search xe.com rate after i made the Bigpay transaction and it really give lower than xe.com rate~

i think top up boose with Bigpay doesn't has any charges while transfer out to bank only cost 2% or max RM2 processing fee.
So it is still worth to than Bigpay RM6 per withdrawal.

but boost withdrawal won't get ban like what bigpay did to few...

boost already mention you can transfer up to 1k daily and 4.5k per month

2% or max RM2 processing fee

This post has been edited by tan_aniki: Jun 27 2018, 10:54 AM

i just verify and got notification that approved within 5 minutes~

Verification of IC took less than 5min~
I have just done transfer from my FCBVS (received yesterday) RM2.5k to Bigpay and RM1.5k to Boost but strange thing is FAQ got limit RM1k daily transfer out to bank but I manage to key in RM1250…
Let's see what happen after 2-3 days…

FYI, Boost top up shown Celcom-Rps in Bigpay under Professional Services~

This post has been edited by tan_aniki: Jun 27 2018, 11:45 AM


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YES!

i think this way is safer than direct withdrawal from ATM on Bigpay and Boost only charge RM2 as compare to Bigpay RM6~

This post has been edited by tan_aniki: Jun 27 2018, 11:58 AM

this is not money laundering, it's cashback frenzy time~

anyway:

money laundering
the concealment of the origins of illegally obtained money, typically by means of transfers involving foreign banks or legitimate businesses.

no la, this is just for Bigpay, they are talking about the categories.

btw how you become Moderator since you are from South Korea?
wish to become part of forum.lowyat.net contributor as well~

This post has been edited by tan_aniki: Jun 27 2018, 02:46 PM

Added bracket for the best CB rate vs yearly spending.

OCBC Titanium is only for online and overseas spending, others only 0.1%
HLB Essential is everything except some in their TnC.
For less than RM240k, HLB Fortune with over 1% upto 2.22% max out at RM108k yearly spending on everything except some in TnC.
As HLB Fortune got limit, if after RM240k yearly spending, the CB still capped at RM2400 per year, so it is not that worth to use HLB Fortune if your yearly spending is more than RM240k but you can count on the FD they provide on the Real Cash as well.

This post has been edited by tan_aniki: Jun 28 2018, 09:58 AM

RM264k is calculate based on 1st RM5000 is 0.6% CB which is only RM30.
RM264k/12 = RM22k, therefore the remaining RM17k got CB RM170.
So means the monthly CB is RM200, yearly RM2400
HLB Fortune will get you RM2400 when you spend up to RM108k per year to get RM50 X 12 + RM1800 (Bonus) = RM2400.
RM2400/RM240k = 1%, after that will be less than 1%. (if you don't count the FD on Real Cash)
So OCBC Titanium and HLB Essential got unlimited 1% will break that limit.

you need to know those card are not for everything and only limited to specific retails except FCBVS.
If you heavily buy furniture etc, u still need HLB Fortune, else FCBVS only gives you max RM700/year.
of cos beside using Fortune, i also got PBBVS, PBBQMC, SCB CB Platinum, MBBVS (now changed to FCBVS), MBB Amex to get more than RM3-4k CB per year.

that's why Fortune is better as compare to OCBC and Essential.

Yes everything except some like balance transfer etc which excluded in the TnC.
Bigpay can get CB.
What i'm saying from previous post is the max CB per year which is RM2400 for most efficient spending at RM108k.

This post has been edited by tan_aniki: Jun 28 2018, 01:07 PM

it's ok, you just forget about the HLB Fortune if you know how to make the most CB.

you are welcome.

as i told you before, forget about the rate if you want more CB.

yes

This post has been edited by tan_aniki: Jun 28 2018, 03:20 PM